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Year 2003 we got married and doon ko nalaman na hindi kami makapag housing loan kasi may gumamit na ng name niya sa pag ibig. As years gone by my wife is paying the pag-ibig her contribution but not the payment sa housing loan until she died 2009.

After she died I went to pag-ibig and processed all the papers and pag ibig informed me that pag ibig loan is fully paid already because of her death. When the title was released to me by pag-ibig I went to talk to to the person who is staying in the condo but and sabi nila my wife gave them a special power of attorney that she is giving full rights to these people. And they told me na wala na daw ako karapatan doon sa condo dahil she signed the SPA nung dalaga pa siya.